-When a baller ("Livin large" or one who lives the lavish life) of high financial status and capital gain (typically a minority of african or sub-saharan ancestry) is in a time of economic misfortune, has a low cash flow and/or has a limited supply of cash (currency or legal tender for debts) on his or her person is abruptly confronted in a catch 22 of finance and cannot afford to pay at all or full price of a usual product or service in ones financial spectrum causing them to not purchase a product/service or find a budget friendly alternative to their prospective purchase typically a service/product from either a less prestigious or 3rd party establishment.